RBI warns banks against relaxing underwriting amid excess FCNR(B) liquidity
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Key takeaway
RBI warns banks not to relax underwriting standards despite excess FCNR(B) liquidity.
- Step 1 · The triggerRBI warns banks not to relax underwriting standards or cut loan pricing despite excess FCNR(B) liquidity.
- Step 2 · Knock-onBanks maintain risk-based pricing and tighter credit appraisal, slowing the pace of new, easy credit to borrowers.
- Step 3 · Reaches youSMEs and other borrowers face tighter eligibility and higher risk-based loan rates, limiting access to cheap credit and impacting working capital or expansion plans.
The trigger is reported by the source below. The steps that follow are Branch²’s traced reasoning — how the shock could reach a business like yours, not a prediction.
Source: The Hindu BusinessLine
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